AML Operations Analyst

ABOUT THE ROLE \-------------- You're on the frontline of HitPay's defence against financial crime. As an AML Operations Analyst you execute the controls that keep bad actors off the platform: verifying who our merchants are, investigating alerts, and escalating genuine suspicion to the MLRO. This is hands-on, high-volume, detail-intensive work that directly protects HitPay and its merchants across all five markets. This is a first-line execution role: you run the controls and escalate suspicion - the final STR decision sits with the MLRO, keeping our lines of defence cleanly separated. WHAT YOU'LL DO \-------------- - Onboarding (KYC/KYB): verify merchant identity, ownership and business legitimacy; collect and assess CDD documentation; apply Enhanced Due Diligence where risk warrants. - Screening: review and disposition sanctions, PEP and adverse-media screening hits; clear false positives and escalate true matches. - Transaction monitoring: triage alerts from the monitoring system, investigate flagged activity, and document your analysis and disposition. - Case investigation: gather evidence, follow the money flow, and build a clear written rationale for each decision. - Escalation: raise well-documented suspicious activity to the relevant market MLRO promptly - you identify and escalate; the MLRO decides on filing. - Ongoing diligence: support periodic reviews, trigger-based re-screening, and record-keeping to standard. - Work to defined SLAs and contribute to keeping queues clean and turnaround fast. WHAT YOU'LL BRING (MUST-HAVE) \----------------------------- - 1-3 years in AML/KYC/KYB operations, compliance ops, fraud, or merchant onboarding - ideally in payments, fintech, or banking. - Strong, consistent attention to detail and sound judgment on incomplete information. - Clear written English - your case notes and escalations must stand on their own for a reviewer or auditor. - Comfort working at volume against SLAs without dropping quality. - Integrity and discretion handling sensitive customer data. NICE TO HAVE \------------ - Exposure to screening tools and transaction-monitoring / case-management systems. - Familiarity with SEA regulatory environments (MAS, BSP, BNM, AUSTRAC). - Working knowledge of an additional regional language. - Progress toward an AML certification (CAMS, ICA) is a plus.